EAT LESS. We ALL eat far too much considering the relatively sedentary lives most of us live. Just a few bites less at each meal. Unless you’re a child or athlete or do heavy physical labor, STP snacking. This will save calories and money. STOP drinking soda or make it an occasional treat. Agains saves both calories and money. FREE entertainment. Read, do puzzles, listen to music. Start using your local public library for free books, puzzles, music, low cost or free activities. Take walks.
My mom was born in 1927. She told me about the hobos coming to the door looking for work and food. My grandmother always had them come in and fed them at the table. They were pretty poor also, but had a large garden, chickens, and fish. My grandfather was a fisherman. I would hope these days people would do the same as they did back then.
It's interesting how nowadays having a large garden especially in city areas means that you are rich. Because real estate is so expensive now and backyards are becoming rarer in cities.
I find a big money saver is not buying the assortment of cleaning products to clean your home. A supply of hot water, dishwasing detergent, vinegar, bi-catrb soda and a scrubbing brush will clean most things.
Those microfibre cloths are great too! Mop buckets just really need hot water and a few drops of dishwashing liquid or even a nice smelling shower gel.
For building a savings fund, in addition to selling things, put away a set percentage every paycheck BEFORE you pay anything else. You’d be surprised how much you actually don’t have to buy or pay for when you’re saving first.
We are in Great Depression since 2020. It's not only about money. People are miserable. It's feel like there is no hope. And the worst thing is : Hard work doesn't make sense anymore. People work harder then ever and can't afford anything. Generation of subscribers owning nothing.
You’re right Steve. I actually heard the author Ran Prieur say something about this - basically how instead of a full scale societal collapse like some people predict we’re starting to see a “motivational collapse” because of the reasons you outlined. Really tough to get ahead right now. Thanks for your comment buddy!
I like your comment, happiness is an important measure that gets neglected, and depression suggests it’s about your mood! People enjoy a higher standard of living than even 50 years ago but it never feels like it. Remember it’s not as bad as it seems. Fingers crossed it doesn’t get worse
You’re right it’s definitely all relative and our lives nowadays come with a lot of luxuries taken for granted! However it is quite tough to get ahead, I heard somewhere that if wages kept pace with growth over the past few decades, the average income would be $109k. Maybe not 100% of the picture but certainly it’s tough out there. Thanks for the comment Yogi, always glad to hear from you!
In a lot of communities where big box stores are not available, many people trade items no longer used for a need. We can also do this with friends. Example-splitting plants and sharing, when children grow out of cloths , giving to a friends children.
While I enjoy getting haircuts as a treat, I wasn’t able to get scheduled in advance due to my new job. Then I rewatched your video on home haircuts and realized that $25 dollars every 2-3 months is an insane amount of money during these times. So I purchased some Wahl scissors and will be diying my hair from here-on-out. I also lost some benefits which were helping me get food. So now it’s really making me mindful of where my money goes having that extract expense coming out of my paycheck
That’s amazing! Good on you for saving on those haircuts and keeping it as a treat. Being mindful of where your money going is so important, so great to hear you’re keeping that top of mind. Thanks for the comment :)
Not American, but happening in many places. I note capitalism and consumerism, and uber individualism is at the core of so much of this - no mention of mutual aid, collaborative /co-op business and sharing economies/libraries? Also, emergency funds may not amount to much if inflation really ticks up. Also, grow food wherever you can.
The 1k "emergency fund" gets a lot of hate from closed minded people. It is more of a buffer fund instead of emergency fund to keep ya from going into more debt for the everyday things that life throws at ya. Have a flat or need a new car battery, need some freon in the a/c, trip to dr for unexpected sickness, trip to dentist for a cavity, etc.... So many people think that it is for the major events like home needs a new hvac unit, needs a roof, motor or transmission goes out in vehicle, etc... its there for you to use it as needed to stay on track with becoming debt free. Not to have as a security blanket that never gets touched (that is the actual fully funded emergency fund after getting consumer debt paid)
i'm the kind of person that rarely participates on anything online (to the point i barely comment on 3-4 videos a year), but i feel the need to tell you that nowadays you are the only content creator that matters to me
Yes, I am a RUclips woman junkie!!! I have learned so much from RUclips such as putting my own metal roof on a rental all by myself and I was 68 years old at the time and figured it out by myself. I have used videos for fixing plumbing and some electric fixing. I have built porches and small outdoor sheds as well as putting down flooring, cooking, health--you name it and I have probably search for it on RUclips!!! I really like your channel and your various lessons from the Great Depression.
Thank you :) it sounds like you’ve gotten quite the educated from “RUclips University!” Love what RUclips has to offer, it is such a valuable source of information and inspiration too. Thanks for the kind comment!
I am approaching 70 years old now. I grew up with actual Great Depression survivors. There are many new-cheap- tech methods to sew or cook food you prepare yourself. Oh, my father was an actual hobo. He would not wish this lifestyle on anyone. Much less there are not as many trains in service anyways anymore!
Wow I’m sure you’ve got some great stories to share my friend! Interesting to hear your father was a hobo too. I’ll have a hard time not romanticizing the idea though - those guys were real ramblers! Thanks for the comment 👍
Such good tips! Ok here is how I’ve been saving money grocery shopping, I use the store apps to shop so I can think about what I’m buying. Once I got my items used most I have been just reordering those, I use to spend $170 each store trip, now I got it down to $70. Another tip is visiting the library, free books & dvds! Taxes- open other savings account and put a little away each month. I’m fm California and we got hit hard this year . Also I have an expensive hobby so I had to pull back on that 😢
Another idea is to check out the Little Free Libraries in your community whenever you are out and about and collect some of these free books so that when times get really tough you do not have to use your gas to drive to the library especially if you live several miles from it. That is one way to save your time, money and energy. Then when you want to read a really good book you can check out your little library and afterwards you can return book or better yet, why not start your own little free library right where you live?
Little Free Libraries are great! There are probably 10 within 10 mins walking from my apartment in the city, so I use them quite regularly. Maybe a dedicated video is in order :)
I DIY my pesto. No kidding- I have a nice big garden and I DIY food sourcing! And my pesto is excellent. Make it will walnuts or sunflower seeds instead to save $ 😊
Ihave settled with my salary a couple of years ago. Every raise I put a side, so I "earn" least at work but save most. Really nice to live frugal. Thank you for a great video.
know your Values, Know your goals, have a plan, know your next step - if not research, know your ROI of the things you want to have - not only the money ROI but also other benefits, Take care of your body, your nervous system, your mindset and your overall growth
@@YogiTheBearManyou’re right! I cut that part out of the video where I explained more about how I made it, but I reused an old stick I had and poured my recipe into it 👍
When I got my current job 5 years ago, I had more money than I knew what to do with. Now we buy only food and a few other essentials and have to really hunt for sales... Feels good to be Canadian!
Hello, I am from Ukraine where the Russian started the war. The whole cities are being destroyed to nothing. My piece of advice - do not buy things, pay for opportunities but the lowest cost you can find. Simple food Simple clothes Simple car Dp not pay for vacation,move to the area and climate you like
капитализму не выгодно чтобы люди все делали сами и образовывали свои резервные фонды, они заставляют людей брать кредиты и потреблять сверх необходимого
I am not into his personal views outside of money but he is very helpful for people who are first getting into getting out of debt. I’ve moved beyond his work now and no longer follow his content, but in my early debt repayment journey he was quite helpful.
Some great points made here particularly the emergency fund; not enough people have one. when you’re been on the game of life for a while you realise that you can’t avoid the “rainy days” and even scenarios such as home appliances breaking down require summoning a moderate amount of cash. I hadn’t even thought about the literal meaning of mortgage 😂. Quite the eye opener isn’t it! I had to track down your Apple and oatmeal vid after this one 😄. Have a goodun; I hope life is treating you well amigo.
I have been planting a yearly garden. I think this is not only helpful because food is expensive, but it makes you more self sufficient. Even if you don’t have a lot of space, you can grow in grow bags or 5 gallon buckets. Thousands of videos on You Tube can help you. I only plant what we like and I have lots of things that come back year after year on their own like asparagus and blueberries. During 2020 I learned how to can things like plum jam and pickled peppers. I also make my own pesto and freeze it. It’s too expensive in the stores as you said.
Great video Spencer and really makes us look at ourselves and our lives and look to protect ourselves from any financial worries that come along. This year I felt I had to sell most of my collections to fund the year, stag and hen do's, wedding which is all costing probably a couple of thousand pounds and even then I'm not sure I'll have enough but my friend said he will help if I don't get enough cash up, which is incredibly generous of him. This is for my sister in laws wedding not mine, I've been married nearly 10 years now 😅 Would love to see a video on your deodorant and other recipes you've got! Also I paid my wife's credit card off which was a big one and the first thing I paid
Glad you found the video helpful Adam. Good on you for paying that credit card off!! I’ll for sure make that deodorant video in the near future - just whipped up another batch yesterday now that I’m back from work
@@spencers-adventures oh definitely! Yeah I thought it was the right thing to do, if only to help in a small way. Oh nice lol! Look forward to it 😊 hope it want too bad for you at work
Im a new subscriber 🤚🏻hello! Right off the bat you mentioned you love pesto n gnocchi but the cost has increased.. the very thing that came to my mind was why arent you making it from scratch? Get a established basil plant from the local nursery or market or grow from seed although that will take a while to grow.. once you have a plant it will give you lots if keep harvesting it.. you can use walnuts or pecans in place of the expensive pine nuts, I would suggest using olive oil but sub if you want.. you don't need to use fresh Parmesan because that is expensive although it'll taste better you can use a container of craft or whatever brand a Parmesan cheese and a little salt and there you have your own pesto.. you can make gnocchi for very very little. There is so many recipes and videos on RUclips to show you how to make it and there is nothing like homemade. Second is I disagree with only having $1000 emergency fund with the prices of inflation most likely $1000 isn't going to get you very far or completely wipe you out just my opinion.
Thanks for the detailed comment! I know you’re right about the pesto, I need to batch make it and even better grow the basil at home. The emergency fund point is fair too - I think having more would certainly help but $1000 is more than the average person even has saved as per the stats. From what I’ve read the average person can’t cover a $400 emergency with cash, so $1000 would help. But agreed more would definitely help better! Thanks for the comment :) hope you enjoy the channel!
When my husband and I got married we decided that apart from our mortgage, if we couldn't pay cash for it, we couldn't afford it. I would love to see your stewed apple porridge. That was what I fed my children when they were little. Stewed apple and cream was often our dessert. A real saver, in Australia, in the 60's, a slice of bread with jam and whipped cream was dessert.
I like the slice of bread with jam and whipped cream as an affordable treat too! Like you said, if you can’t pay cash for it, you can’t afford it. Great way to go - thanks for sharing :)
Always have a backup plan. The other nice things about diy is that the stuff you learn and make are custom to your needs. And nowadays there are communities that can share ideas to better themselves and each other. In today's digital advances, saving some money such as cancelling bleeding subscriptions and finding alternatives comes a long way as well, as you mentioned before. I might cancel my cable and just focus on high speed Internet since information and entertainment is now accessible through this medium. Learning alternative software like GIMP to replace Photoshop, LibreOffice to replace MS Office, etc.
There are two kinds of debts. Consumer debt and debt for purchasing assets that earn more money than the cost of the loan . Debt can make you rich or poor but most people get poor from it.
Agreed! One is spending like a consumer and one is spending like a business. My film equipment makes me money but right now my guitars cost me money for example!
EAT LESS. We ALL eat far too much considering the relatively sedentary lives most of us live. Just a few bites less at each meal. Unless you’re a child or athlete or do heavy physical labor, STP snacking. This will save calories and money. STOP drinking soda or make it an occasional treat. Agains saves both calories and money. FREE entertainment. Read, do puzzles, listen to music. Start using your local public library for free books, puzzles, music, low cost or free activities. Take walks.
Agreed!
I would add “don’t despair”. If you’re going through hell, keep going. Don’t give up. Things will get better.
My mom was born in 1927. She told me about the hobos coming to the door looking for work and food. My grandmother always had them come in and fed them at the table. They were pretty poor also, but had a large garden, chickens, and fish. My grandfather was a fisherman. I would hope these days people would do the same as they did back then.
Back then people were nicer. These days people are self obsessed and don't give a damn about the poor.
It's interesting how nowadays having a large garden especially in city areas means that you are rich. Because real estate is so expensive now and backyards are becoming rarer in cities.
Thanks for sharing your family history! Very interesting to hear and aspirational too
I find a big money saver is not buying the assortment of cleaning products to clean your home. A supply of hot water, dishwasing detergent, vinegar, bi-catrb soda and a scrubbing brush will clean most things.
Love this tip! I’m 100% with you on that 👍
Add bleach+ water in a spray bottle.
Those microfibre cloths are great too! Mop buckets just really need hot water and a few drops of dishwashing liquid or even a nice smelling shower gel.
For building a savings fund, in addition to selling things, put away a set percentage every paycheck BEFORE you pay anything else. You’d be surprised how much you actually don’t have to buy or pay for when you’re saving first.
That’s a great tip!
Please do a video about your homemade meals and other DIY toiletries. I am in my early 20s, so every bit of saving counts.
Yes, please do videos about your homemade meals--and anything else you think we might need to know!
Simple meals, search on RUclips.
I’ll make sure to share more on these subjects - thanks for the feedback!
YTers with nutritious low cost meals Julia Pacheco, Frugal Fit Mom. They do both single person and family.
We are in Great Depression since 2020. It's not only about money. People are miserable. It's feel like there is no hope. And the worst thing is : Hard work doesn't make sense anymore. People work harder then ever and can't afford anything. Generation of subscribers owning nothing.
You’re right Steve. I actually heard the author Ran Prieur say something about this - basically how instead of a full scale societal collapse like some people predict we’re starting to see a “motivational collapse” because of the reasons you outlined. Really tough to get ahead right now. Thanks for your comment buddy!
@@spencers-adventures I think all of this is done deliberately to make people depended on government help.
I like your comment, happiness is an important measure that gets neglected, and depression suggests it’s about your mood!
People enjoy a higher standard of living than even 50 years ago but it never feels like it. Remember it’s not as bad as it seems. Fingers crossed it doesn’t get worse
You’re right it’s definitely all relative and our lives nowadays come with a lot of luxuries taken for granted! However it is quite tough to get ahead, I heard somewhere that if wages kept pace with growth over the past few decades, the average income would be $109k. Maybe not 100% of the picture but certainly it’s tough out there. Thanks for the comment Yogi, always glad to hear from you!
In a lot of communities where big box stores are not available, many people trade items no longer used for a need. We can also do this with friends. Example-splitting plants and sharing, when children grow out of cloths , giving to a friends children.
While I enjoy getting haircuts as a treat, I wasn’t able to get scheduled in advance due to my new job. Then I rewatched your video on home haircuts and realized that $25 dollars every 2-3 months is an insane amount of money during these times. So I purchased some Wahl scissors and will be diying my hair from here-on-out. I also lost some benefits which were helping me get food. So now it’s really making me mindful of where my money goes having that extract expense coming out of my paycheck
That’s amazing! Good on you for saving on those haircuts and keeping it as a treat. Being mindful of where your money going is so important, so great to hear you’re keeping that top of mind. Thanks for the comment :)
You can afford to grow basil and make your own gnocchi. Home made pesto gnocchi costs me $0.45 per meal❤
Whew! You’re right on! I’m working on setting up a garden at my urban rental so I can make stuff like this easier - I appreciate the encouragement!
I'd love to hear about your DIY recipes and toiletries. Im always on the lookout for easy meals with only a few ingredients so I can avoid fastfood.
Appreciate the feedback - I’ll prioritize doing some more videos on these topics in the coming months!
Not American, but happening in many places. I note capitalism and consumerism, and uber individualism is at the core of so much of this - no mention of mutual aid, collaborative /co-op business and sharing economies/libraries?
Also, emergency funds may not amount to much if inflation really ticks up.
Also, grow food wherever you can.
The mutual aid, sharing economies, etc are all great topics for a future video. I am right with you on that! Great tips all around!
The 1k "emergency fund" gets a lot of hate from closed minded people. It is more of a buffer fund instead of emergency fund to keep ya from going into more debt for the everyday things that life throws at ya. Have a flat or need a new car battery, need some freon in the a/c, trip to dr for unexpected sickness, trip to dentist for a cavity, etc.... So many people think that it is for the major events like home needs a new hvac unit, needs a roof, motor or transmission goes out in vehicle, etc... its there for you to use it as needed to stay on track with becoming debt free. Not to have as a security blanket that never gets touched (that is the actual fully funded emergency fund after getting consumer debt paid)
Exactly! Of course a bit more cash would be helpful but $1000 is more cash than the average person has put aside for unforeseen costs.
i'm the kind of person that rarely participates on anything online (to the point i barely comment on 3-4 videos a year), but i feel the need to tell you that nowadays you are the only content creator that matters to me
Thank you so much for the kind comment! I appreciate you taking the time :)
Yes, I am a RUclips woman junkie!!! I have learned so much from RUclips such as putting my own metal roof on a rental all by myself and I was 68 years old at the time and figured it out by myself. I have used videos for fixing plumbing and some electric fixing. I have built porches and small outdoor sheds as well as putting down flooring, cooking, health--you name it and I have probably search for it on RUclips!!! I really like your channel and your various lessons from the Great Depression.
Thank you :) it sounds like you’ve gotten quite the educated from “RUclips University!”
Love what RUclips has to offer, it is such a valuable source of information and inspiration too. Thanks for the kind comment!
Yeah I'm a 62-year-old woman and I built a shed all by myself with a step stool and a power drill
@@utahboxergirl11 Amazing!
Rookie move. Make your own pesto!
You’re not wrong!
I am approaching 70 years old now. I grew up with actual Great Depression survivors. There are many new-cheap- tech methods to sew or cook food you prepare yourself. Oh, my father was an actual hobo. He would not wish this lifestyle on anyone. Much less there are not as many trains in service anyways anymore!
Wow I’m sure you’ve got some great stories to share my friend! Interesting to hear your father was a hobo too. I’ll have a hard time not romanticizing the idea though - those guys were real ramblers! Thanks for the comment 👍
I am watching you from iraq ❤
Thanks for watching :)
I am in control of my feelings and so my finances
Such good tips! Ok here is how I’ve been saving money grocery shopping, I use the store apps to shop so I can think about what I’m buying. Once I got my items used most I have been just reordering those, I use to spend $170 each store trip, now I got it down to $70.
Another tip is visiting the library, free books & dvds!
Taxes- open other savings account and put a little away each month. I’m fm California and we got hit hard this year .
Also I have an expensive hobby so I had to pull back on that 😢
Another idea is to check out the Little Free Libraries in your community whenever you are out and about and collect some of these free books so that when times get really tough you do not have to use your gas to drive to the library especially if you live several miles from it. That is one way to save your time, money and energy. Then when you want to read a really good book you can check out your little library and afterwards you can return book or better yet, why not start your own little free library right where you live?
Great tips! My hobbies are guitars and cameras, so I understand having to cut back on those associated costs!
Little Free Libraries are great! There are probably 10 within 10 mins walking from my apartment in the city, so I use them quite regularly. Maybe a dedicated video is in order :)
I DIY my pesto. No kidding- I have a nice big garden and I DIY food sourcing! And my pesto is excellent. Make it will walnuts or sunflower seeds instead to save $ 😊
That’s a next step for me! I DIY my red sauce always but never went for the home grown pesto. Big respect for the garden!
Ihave settled with my salary a couple of years ago. Every raise I put a side, so I "earn" least at work but save most. Really nice to live frugal.
Thank you for a great video.
Thank you Lars! That’s a great approach you’ve taken in your work too - appreciate you sharing 👍
know your Values, Know your goals, have a plan, know your next step - if not research, know your ROI of the things you want to have - not only the money ROI but also other benefits, Take care of your body, your nervous system, your mindset and your overall growth
Woah Woah Woah , why are you just skipping over the home made deodorant. Thats so dope
A future video for sure! I make a few of my toiletries 👍
@@spencers-adventures Please! I'm interested all of them, as well as your frugal meals :)
5:25 and it looks just like a store bought stick!
@@YogiTheBearManyou’re right! I cut that part out of the video where I explained more about how I made it, but I reused an old stick I had and poured my recipe into it 👍
Wow @@spencers-adventures
Were ready. This family learn 24 crafts in the ladt 3 years got certificates and stored up as well as a victory garden
That’s amazing! Great work
When I got my current job 5 years ago, I had more money than I knew what to do with. Now we buy only food and a few other essentials and have to really hunt for sales... Feels good to be Canadian!
Hello, I am from Ukraine where the Russian started the war. The whole cities are being destroyed to nothing.
My piece of advice - do not buy things, pay for opportunities but the lowest cost you can find.
Simple food
Simple clothes
Simple car
Dp not pay for vacation,move to the area and climate you like
I’d love to see more frugal recipes and history videos! I too am a sucker for Wikipedia! Heheh
I'm a new subscriber and your content is what I'm looking for on RUclips. Thank you for these insights!
Thank you!
капитализму не выгодно чтобы люди все делали сами и образовывали свои резервные фонды, они заставляют людей брать кредиты и потреблять сверх необходимого
I still DIY everything I can
Soon as u mentioned Dave Ramsey i shut u off
I am not into his personal views outside of money but he is very helpful for people who are first getting into getting out of debt. I’ve moved beyond his work now and no longer follow his content, but in my early debt repayment journey he was quite helpful.
Some great points made here particularly the emergency fund; not enough people have one. when you’re been on the game of life for a while you realise that you can’t avoid the “rainy days” and even scenarios such as home appliances breaking down require summoning a moderate amount of cash.
I hadn’t even thought about the literal meaning of mortgage 😂. Quite the eye opener isn’t it!
I had to track down your Apple and oatmeal vid after this one 😄.
Have a goodun; I hope life is treating you well amigo.
You’re the man Ed! Appreciate the kind words and you sharing your thoughts on rainy days 👍
I stopped watching when he said he was donating to wikipedia.
Thanks for sharing why you stopped watching. Why do you dislike Wikipedia?
Would love to hear some frugal songs Spencer. Cheers, Ian
I’ve got some! I’ll be sure to share some in the near future. Thanks Ian!
I have been planting a yearly garden. I think this is not only helpful because food is expensive, but it makes you more self sufficient. Even if you don’t have a lot of space, you can grow in grow bags or 5 gallon buckets. Thousands of videos on You Tube can help you. I only plant what we like and I have lots of things that come back year after year on their own like asparagus and blueberries. During 2020 I learned how to can things like plum jam and pickled peppers. I also make my own pesto and freeze it. It’s too expensive in the stores as you said.
Great video Spencer and really makes us look at ourselves and our lives and look to protect ourselves from any financial worries that come along.
This year I felt I had to sell most of my collections to fund the year, stag and hen do's, wedding which is all costing probably a couple of thousand pounds and even then I'm not sure I'll have enough but my friend said he will help if I don't get enough cash up, which is incredibly generous of him. This is for my sister in laws wedding not mine, I've been married nearly 10 years now 😅
Would love to see a video on your deodorant and other recipes you've got!
Also I paid my wife's credit card off which was a big one and the first thing I paid
Glad you found the video helpful Adam. Good on you for paying that credit card off!! I’ll for sure make that deodorant video in the near future - just whipped up another batch yesterday now that I’m back from work
@@spencers-adventures oh definitely! Yeah I thought it was the right thing to do, if only to help in a small way. Oh nice lol! Look forward to it 😊 hope it want too bad for you at work
Nice 🤙
Some good numbers on this one! Great to see your channel growing, sir!
Thanks buddy! You’re an OG and I appreciate you being along for the ride from the start 👍
@@spencers-adventures I'm mainly here for the US road trip goodness, but i enjoy these kind of videos too 🙂
Stay tuned because the road trips are coming this year!
I Love this video , great advice. my husband and I are in that mode. 😊
Try Haluski, great cabbage dish.
Write it down! Record income, debts, bills! Until you see the numbers, you will likely not be able to manage your funds well, including savings goals.
Exactly!
Im a new subscriber 🤚🏻hello! Right off the bat you mentioned you love pesto n gnocchi but the cost has increased.. the very thing that came to my mind was why arent you making it from scratch? Get a established basil plant from the local nursery or market or grow from seed although that will take a while to grow.. once you have a plant it will give you lots if keep harvesting it.. you can use walnuts or pecans in place of the expensive pine nuts, I would suggest using olive oil but sub if you want.. you don't need to use fresh Parmesan because that is expensive although it'll taste better you can use a container of craft or whatever brand a Parmesan cheese and a little salt and there you have your own pesto.. you can make gnocchi for very very little. There is so many recipes and videos on RUclips to show you how to make it and there is nothing like homemade.
Second is I disagree with only having $1000 emergency fund with the prices of inflation most likely $1000 isn't going to get you very far or completely wipe you out just my opinion.
Thanks for the detailed comment! I know you’re right about the pesto, I need to batch make it and even better grow the basil at home. The emergency fund point is fair too - I think having more would certainly help but $1000 is more than the average person even has saved as per the stats. From what I’ve read the average person can’t cover a $400 emergency with cash, so $1000 would help. But agreed more would definitely help better! Thanks for the comment :) hope you enjoy the channel!
When my husband and I got married we decided that apart from our mortgage, if we couldn't pay cash for it, we couldn't afford it. I would love to see your stewed apple porridge. That was what I fed my children when they were little. Stewed apple and cream was often our dessert. A real saver, in Australia, in the 60's, a slice of bread with jam and whipped cream was dessert.
I like the slice of bread with jam and whipped cream as an affordable treat too! Like you said, if you can’t pay cash for it, you can’t afford it. Great way to go - thanks for sharing :)
Always have a backup plan. The other nice things about diy is that the stuff you learn and make are custom to your needs. And nowadays there are communities that can share ideas to better themselves and each other.
In today's digital advances, saving some money such as cancelling bleeding subscriptions and finding alternatives comes a long way as well, as you mentioned before. I might cancel my cable and just focus on high speed Internet since information and entertainment is now accessible through this medium.
Learning alternative software like GIMP to replace Photoshop, LibreOffice to replace MS Office, etc.
Great tips!
Good idea apples in oatmeal 😊
There are two kinds of debts. Consumer debt and debt for purchasing assets that earn more money than the cost of the loan . Debt can make you rich or poor but most people get poor from it.
Agreed! One is spending like a consumer and one is spending like a business. My film equipment makes me money but right now my guitars cost me money for example!
Well done, sir.
too much month at the end of the money? huh? are you okay lol?
lol it’s a Dave Ramsey quote
Great video ❤
Love the channel brother
Thanks very much buddy!